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227 Union St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 227 Union St, Schenectady, NY 12305

Property Summary

Property TypeApartments (5+ Units)
Details2,474 sqft · built 1900
Lot Size0.118 acres (5,160 sqft)
Owner2 Individual Names on File
Last Sale$59,600 (Aug 1997)
Tax Bill$7,058 (2026)
Deeds & MortgagesSep 2020 Mortgage
Sep 2020 Transfer
Flood ZoneZone X (minimal risk)
APN421500 39.63-2-35

Property Details

APN / Parcel Number

Primary APN421500 39.63-2-35
Alternative APN
  • 150003906300020350000000

Interior

Units4 Units
Stories2 Stories
Building Area2,474 sqft Gross Area
Basement Area1,226 sqft
Unfinished Basement1,226 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1980
Lot Area5,160 sqft (0.118 acres)
Lot Dimensions215 ft deep x 24.5 ft wide
Garage TypeAttached
Garage Area480 sqft
Parking Spaces2 Parking Spaces
PorchPorch
Porch Area70 sqft
Shed1 Shed

Utilities, Heating & Cooling

Heating FuelOil
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address227 UNION ST
CitySCHENECTADY
StateNY
Zip12305-1470
Property CategoryResidential
Property TypeResidential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code03 - MULTI
Legal Description2 BRICK
Legal Block2
Legal Lot Number35.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group1
Census Block1012
Census Tract33500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Stockade Historic District
listed 1973 · 402 contributing resources · NRIS 73001267

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

227 Union St, a residential property, is owned by two individuals who acquired it in September 2020.

Source: Schenectady County and Schenectady City records, as of September 23, 2026

Owner of Record2 Individual Names on File
Mailing Address2015 LISA LN, SCHENECTADY, NY 12303-4528
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Sep 29, 2020Quit Claim Deed, Transfer
SUNMARK CU
Sep 29, 2020Quit Claim Deed, Transfer
SMPR TITLE AGENCY INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 25, 1997 · Amount on File
Deed SaleAug 25, 1997 · Amount on File
Prior SaleNov 8, 1996 · Amount on File
Deed Book / Page1522 / 705
Last Transfer DateSep 3, 2020
Transfer Doc0000029863
Record UpdatedOct 29, 2026

September 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSCHENECTADY NY
Recording DateSep 29, 2020
Property Address227 UNION ST, SCHENECTADY, NY 12305-1470
Document Number0000029862
Book / Page002042 / 000548
Instrument DateSep 3, 2020
Instrument29862
Transaction TypeTransfer
Record UpdatedOct 16, 2020
Title CompanySMPR TITLE AGENCY INC

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2015 LISA LN SCHENECTADY NY 123034528, SCHENECTADY, NY 12303-4528

Mortgage

Document Number29864
DateSep 29, 2020
Book Page005025/000043
Instrument29864
Lender
NameSUNMARK CU
AddressLATHAM, NY 12110
Agreement
AmountAmount on Record
Term120 Months
DueSep 28, 2030

September 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSCHENECTADY NY
Recording DateSep 29, 2020
Property Address227 UNION ST, SCHENECTADY, NY 12305-1470
Document Number0000029863
Book / Page002042 / 000552
Instrument DateSep 3, 2020
Instrument29863
Transaction TypeTransfer
Record UpdatedOct 19, 2020
Title CompanySMPR TITLE AGENCY INC

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2015 LISA LN SCHENECTADY NY 123034528, SCHENECTADY, NY 12303-4528

Tax Assessment & Valuation

The 2026 property tax bill for 227 Union St was $7,058, up 0.9% from the year before.

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
MunicipalitySchenectady City
Unified School DistrictSchenectady City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$7,058.00 (+0.87%)
2025$6,997.00$162,000 Land $18,100 Building $143,900$268,256 Land $29,972 Building $238,284
2023$162,000 (-) Land $18,100 Building $143,900$205,063 (+3.8%) Land $22,911 Building $182,152
2022$162,000 Land $18,100 Building $143,900$197,561 Land $22,073 Building $175,488
2021$6,862.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 227 Union St in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1996.

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 44 individual policies
Nearby Flood Policies74 units insured
incl. 30 condo units
Nearby Flood Claims11 (1996–2026)
Claims Outside the SFHA5 of 11
Most Recent ClaimMar 2026 · rainfall accumulation
Claims by Event
  • Hurricane Irene, Aug 2011 · 5 claims
  • Severe Storms And Flooding, Jun 2006 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 227 Union St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 99.2% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemSCHENECTADY CITY WATER WORKS
serves 62,000 people · EPA ID NY4600070
Water SourceGroundwater
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 554 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fiber · Fixed Wireless in parts of the area		980 / 880
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		100 / 20

May also be available: Massivemesh Networks.

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